I have a multi-state risk. How do I file it?
First, determine the home state of the insured. “Home State” is defined in the Illinois surplus line law and the federal Nonadmitted and Reinsurance Reform Act (NRRA). You can find a helpful flowchart here.
Once you have determined the home state of the insured, the surplus line policy is filed with (and taxes paid to) that state regardless of whether it is a single-state or multi-state risk.
When filing policies covering risks in multiple states, remember to follow the rules prescribed by the home state of the insured as that term is defined in the law.